Credit union · NCUA insured
TBA Credit Union Savings Rates
TBA Credit Union’s best savings rate is 0.50% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How TBA Credit Union’s savings rates compare
Compared with banks and credit unions near Traverse City, MI, where TBA Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TBA Credit Union
0.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $50
Money Market Account
Top rate
First National Bank of America
4.20%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
2nd-highest rate
Credit Union ONE
3.30%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $330
TBA Credit Union savings score
79
Savings score
Higher than 50% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0002.02%
- QualifiedQualified0.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where TBA Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.50%APY
Rates as of April 22, 2026.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $24,999Rates as of April 22, 2026. | 0.50% | $50 | Rates as of April 22, 2026. |
| $25,000 – $99,999Rates as of April 22, 2026. | 1.00% | — | Rates as of April 22, 2026. |
| $100,000 and upRates as of April 22, 2026. | 2.02% | — | Rates as of April 22, 2026. |
Sources (1)
- tbacu.com/rates · captured Sep 24, 2026
Special-purpose accounts
Tax Deferred Compensation for School Employees
0.60%APY
Designed for school employees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.60% | $60 |
Sources (1)
- tbacu.com/rates · captured Oct 5, 2026
Individual Retirement Account (IRA) Shares
0.40%APY
Available as Traditional IRAs and Roth IRAs variable savings. No set-up or annual maintenance fees. Competitive rates.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplicable to Traditional IRA Shares and Roth IRA Shares. No set-up or annual maintenance fees.Any balance | 0.40% | $40 | Applicable to Traditional IRA Shares and Roth IRA Shares. No set-up or annual maintenance fees. |
Health Savings Account
0.10%APY
Designed to help individuals save tax-free for future qualified medical expenses as a supplement to high-deductible plans. Free debit card for quick access to HSA funds.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Membership Savings
0.10%APY
Primary account for membership. Dividends accrued daily, paid quarterly. $10/month fee if balance falls below $100 (waived for under 26 years of age). Free E-Statements; paper statements $2/month (free for over 55 and under 19). ATM access with ATM card. Up to 9 sub-share accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $999$10/month fee if balance falls below $100; waived if under 26 years of age. Minimum opening deposit $5. Minimum balance $5. | 0.05% | — | $10/month fee if balance falls below $100; waived if under 26 years of age. Minimum opening deposit $5. Minimum balance $5. |
| $1,000 – $9,999$10/month fee if balance falls below $100; waived if under 26 years of age. Minimum opening deposit $5. Minimum balance $5. | 0.10% | — | $10/month fee if balance falls below $100; waived if under 26 years of age. Minimum opening deposit $5. Minimum balance $5. |
| $10,000 and up$10/month fee if balance falls below $100; waived if under 26 years of age. Minimum opening deposit $5. Minimum balance $5. | 0.10% | $10 | $10/month fee if balance falls below $100; waived if under 26 years of age. Minimum opening deposit $5. Minimum balance $5. |
Who can join TBA Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You can join if you live, work, attend school, or worship in Michigan.
Employers and groups
- You can join if you are a TBACU employee.
Military, government and schools
- You can join if you are an alumnus of Northwestern Michigan College.
Family and household
- You can join if you are an immediate family member of an eligible individual.
- You can join if you are the spouse of a deceased member (before remarriage).
Other ways
- You can join if you are an individual receiving retirement income who lives in or belongs to a retirement group in the region.
Membership information collected October 5, 2026.